Conditioning an increase on a loan when repaying the debt

Question:
May Allah reward you. In another question, you say: If I borrow a debt from a person for a month or a year, for example, and he conditions that when I repay it, I return it with a specific increase in money, is this permissible? This is the known method among us regarding debt, you say?

Answer:
A debt is a loan. Yes, a loan. Yes, it is not permissible to condition an increase in a loan, because it is explicit riba (usury or interest). Conditioning an increase in a loan is explicit riba. And in the hadith: The scholars (may Allah have mercy on them) agreed on the prohibition of conditioning an increase in a loan, because the purpose of a loan is the reward and recompense in fulfilling the Muslim's need and assisting him with his needs, and then he returns to the lender the amount he borrowed. So a loan is giving money to a needy person who benefits from it, and then he returns its equivalent. The lender's intention is to benefit the needy person and to seek reward from Allah (Glorified and Exalted is He), and his money returns to him. The purpose of a loan is not investment, because investment has lawful means other than a loan. So this action mentioned by the questioner is undoubtedly explicit riba. Yes.